There are many paths forward in life. Financial planning is about finding the optimal path based on the resources available. Your wealth is that resource.

While money is important factor, life is about more than just money. Financial planning incorporates the emotions that come along with making difficult financial decisions. A sound financial plan replaces fear of the unknown with the confidence needed to move forward. Money is just one of the tools needed to get you to your goals.

Investing and saving isn’t just for retirement. We put money aside so we can enjoy life today and in the future. Marriage, kids, college, starting a business… we plan for all stages of life. Our focus is helping clients understand the benefits and tradeoffs between the economic choices available.

certified financial planner retirement in phoenix arizona

Independent Fiduciary

downtown phoenix

A fiduciary is required to put their client's needs ahead of their own. Less than 10% financial advisors in the U.S. are required to work under the fiduciary standard set for Registered Investment Advisors. The Certified Financial Planner Board of Standards sets its own strict fiduciary standard that certificate holders must abide by.

 

Socially Responsible

Arizona

Environmental, social and corporate governance (ESG) funds allow you to invest your money into causes you believe in. Socially responsible investing (SRI), also known as sustainable, socially conscious, green, or ethical investing, is shaping the future. We build custom investment strategies that consider both financial returns as well as the social causes clients request.

Fee Only Advisor

downtown phoenix

Traditionally, financial advisors are paid a commission each time clients purcahse an investment. There is an inherent conflict of interest with working that way. In order to provide objective advice, I work under a fee only model. Clients can pay by the hour, project, or retain ongoing services through a percentage of the investment assets managed.

Dow down 4.6%? Don’t panic.

By J.K. Roberts, CFP, CRPC | February 5, 2018

The Dow Jones Industrial Average dropped 1,175.21 points today. It was the largest point drop in the history of the…

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New Roth IRA Recharacterization Rule

By J.K. Roberts, CFP, CRPC | January 30, 2018

A major change to the tax rules starting in 2018 could leave many paying high taxes on investments that they…

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Tax Gain Harvesting

By J.K. Roberts, CFP, CRPC | January 25, 2018

Minimizing your taxable liability on investments allows you save more towards your goals. Most people investment in retirement accounts. That…

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Books for Investors

By J.K. Roberts, CFP, CRPC | December 7, 2017

Being a well read financial advisor is critical part of helping clients succeed in their goals. Most of the time,…

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How Registered Investment Advisors Are Different

By J.K. Roberts, CFP, CRPC | October 21, 2017

There are about 285,000 financial advisors nationwide. Quick question… how many of them do you think are legally required to…

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ESG – Environmental and Social Governance Investments

By J.K. Roberts, CFP, CRPC | October 18, 2017

Eighty percent of investors want their investments to deliver competitive returns while promoting positive social and environmental outcomes. For younger…

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Building a Financial Plan

By J.K. Roberts, CFP, CRPC | September 13, 2017

If you’ve paid for financial advice before, you know it can be expensive. Building a proper financial plan can take…

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Health Savings Account

By J.K. Roberts, CFP, CRPC | June 28, 2017

A Health Savings Account (HSA) is a tax-exempt trust or custodial account that helps pay medical expenses.  Contributions to HSAs…

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Fiduciary Rule

By J.K. Roberts, CFP, CRPC | June 27, 2017

Fiduciary Standard A fiduciary is a person or organization that is bound both legally and ethically to act in your…

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Socially Responsible Investments

By J.K. Roberts, CFP, CRPC | June 14, 2017

When you invest, you’re voting with your money. Despite what happens in Washington D.C., you can always make a difference.…

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Presidential Impeachment: Impact on the Stock Market

By J.K. Roberts, CFP, CRPC | May 15, 2017

How would the stock market react to President Trump’s impeachment? Politics is a passionate subject for many, but most would…

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The Affordable Care Act

By J.K. Roberts, CFP, CRPC | May 4, 2017

A client I work had taxable income over $300,000 in 2016. The ObamaCare tax on that income was $1,801. This was on the…

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Insuring Your Financial Plan

By J.K. Roberts, CFP, CRPC | May 2, 2017

Insurance is a key component of any financial plan.  When it comes to investing for the future, most people think…

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Small Business Tax Deductions

By J.K. Roberts, CFP, CRPC | April 3, 2017

The tax structure of many small businesses allows the owner to deduct certain expenses.  This helps reduce their personal tax…

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Investment Professional Guide

By J.K. Roberts, CFP, CRPC | March 31, 2017

  Investment Professional Guide As an investor, understanding your needs is an important part of determining what kind of investment professional…

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Important Tax Filing Deadlines

By J.K. Roberts, CFP, CRPC | March 24, 2017

Important tax filing deadlines for 2017 are listed below.  As always, consult with your tax advisor if you have additional…

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Reporting a Retirement Rollover

By J.K. Roberts, CFP, CRPC | March 19, 2017

You’ll have many jobs, but only one retirement.  You’ll also have many 401(k) plans, but you only need one retirement…

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Employee Stock Purchase Plans

By J.K. Roberts, CFP, CRPC | March 17, 2017

Employee Stock Purchase Plans (ESPP) are a great incentive for companies that want to promote ownership to employees.  This widely…

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Partnership tax filing is now March 15th

By J.K. Roberts, CFP, CRPC | March 9, 2017

If you file as a partnership or multi-member LLC, there is a new 2016 tax filing deadline.  Last year, partnerships had…

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Tax Forms

By J.K. Roberts, CFP, CRPC | January 18, 2017

These links will let you download the Internal Revenue Service and the State of Arizona Department of Revenue’s most frequently requested…

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Next Steps...

Contact us for a free one hour consultation. We'll discuss what services we offer, explain the philosophy followed, and help you understand the costs associated with investing.

© 2017 Phoenician Financial Planning, LLC. Securities offered through Folio Institutional, Inc., member FINRA / SIPC.